before bennie thankfully stopped growing, before they earned 1% cash back on all purchases, like his chew toys, and 2% back on groceries for his breakfast, lunch and dinner... even before automatically earning 3% back on gas picking him up for the first time... hi! they opened a bankamericard cash rewards credit card just in time to open their hearts. that's the enormity of rewarding connections. that's bank of america. >> announcer: this portion of "today" is brought to you by walgreens aft the corner of happy and healthy. >> it is tax day as we've been saying and the irs estimates as many as 40% of americans wait until the very last minute to file, if that is you, we have some helpful advice this morning, carmen wong-ulrich is a cnbc personal finance expert. good morning. >> good morning. >> for those who haven't filed should they be in full-on pan ick? >> you got to do something today, you have to do something. if you can't file your full tax form you can file an extension, that's form 4868. i do it every year. >> online? >> you can do it online as well and it gives you some time,